1 / 12

Retirement Trax™

Retirement Trax™. Introduction. History What Investors Want Immediate Gratification Sleep at Night Keep up with the Jones’. Old pattern resurfacing. 1929 (50 years) 70,71,72 What took 50 yea rs 00,01,02 has now occurred

mikko
Download Presentation

Retirement Trax™

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Retirement Trax™

  2. Introduction • History • What Investors Want • Immediate Gratification • Sleep at Night • Keep up with the Jones’

  3. Old pattern resurfacing 1929 (50 years) 70,71,72 What took 50 years 00,01,02 has now occurred 08,09 three times in 38 yrs.

  4. An old idea $50k SPIA $50k Variable Annuity Start yr. 1 $50,000 Start yr.2 $53,600 Start yr.3 $57,459 Start yr.4 $61,596 Start yr.5 $66,031 Start yr.6 $70,785 Start yr.7 $75,882 Start yr.8 $81,345 Start yr.9 $87,202 Start yr. 10 $93,481 End Value $100,211 Repeat Process Year 1 $6,500 Year 2 $6,500 Year 3 $6,500 Year 4 $6,500 Year 5 $6,500 Year 6 $6,500 Year 7 $6,500 Year 8 $6,500 Year 9 $6,500 Year 10$6,500 Total $65,000

  5. Old Idea problems • Loss of Control • Clock on Income • Maybe VA won’t Double

  6. Simple process Fixed Indexed Annuity Managed Account Average Return net of fees 8% End of Year 1 $11,550 End of Year 2 $10,914 End of Year 3 $10,314 End of Year 4 $ 9,747 End of Year 5 $ 9,211 End of Year 6 $ 8,704 End of Year 7 $ 8,225 End of Year 8 $ 7,773 End of Year 9$ 7,346 End of Year 10 $ 6,942 $147,001 $69,420+$147,001=$216,421 -$100,000 Gain of: $116,421 11.6% Annual Return Avg. return 5% $100,000 deposit Ann. w/d’s (-10%) +10% bonus Ann. Net % (-5%) $110,000 Yr. 1 (before w/d) $115,500 Yr. 2 (before w/d) $109,147 Yr. 3 (before w/d) $103,145 Yr. 4 (before w/d) $ 97,472 Yr. 5 (before w/d) $ 92,112 Yr. 6 (before w/d) $ 87,046 Yr. 7 (before w/d) $ 82,259 Yr. 8 (before w/d) $ 77,735 Yr. 9 (before w/d) $ 73,461 Yr. 10(before w/d) $ 69,420 Nearly 70% of original deposit still guaranteed* after ten years. *Guarantees based on claims paying ability of Insurance company

  7. The real world Fixed Index Annuity 2000 – 0% (w/out bonus) 2001 – 0% 2002 – 0% 2003 – 7.00% 2004 – 7.00% 2005 – 3.00% 2006 – 7.00% 2007 – 3.53% 2008 – 0% 2009 – 7.00% 3.45% = Avg. Ann. FIA performance not inclusive of S&P 500 dividends S&P 500 2000 – ( -9.21%) 2001 – (-12.07%) 2002 – (-22.27%) 2003 – 27.82% 2004 – 10.23% 2005 – 4.34% 2006 – 15.02% 2007 – 4.94% 2008 – (-36.87%) 2009 – 26.04% Avg. Ann.= 0.79% S&P 500 performance is inclusive of dividends

  8. World class managers

  9. What you might expect

  10. In closing • Reduce Fees • Maintain Liquidity • Reduce Volatility • Compete with or Beat the Market • Sleep at Night • Immediate Gratification

  11. What’s next? • Most Recent Statement • Fill out New Application • Sign a Few Pages

  12. Thank you!

More Related